Older persons contemplating retirement today are more exposed to market forces and
financial insecurity than were their predecessors, due to demographic change, the trend to …

Older Americans on the cusp of retirement today face a very different retirement income
landscape than prior generations faced, with a higher degree of exposure to market forces …

Social Security has faced projected financing shortfalls since the early 1990s, and the trust
funds are expected to be depleted in the next 12-17 years. Reform is becoming increasingly …

Both preretired and already retired households have always faced, in varying degrees of
severity, five basic risks. This essay will describe and analyze each of the five risks in a …

Many quantitative empirical studies of retirement preparedness find that a substantial
number of US households face a potential financial crisis at some point in the future. This …

Long-term care expenses represent a known unknown in retirement planning. A large
majority of households will need some sort of long-term care support as they age, and costs …

In the United States, Social Security reform proposals often have emphasized the role of
savings over insurance and focused on retirement instead of disability. However, the more …

This essay explores the racial inequalities in retirement preparedness. Households
preparing for retirement could find themselves in one of three undesirable situations: being …

The US Social Security pension system is not adequately financed to fully meet benefit
obligations specified in current law beyond the early 2030s. This potential financing shortfall …